Repaid loan in full wayyy before it was…
Repaid loan in full wayyy before it was due to be repaid wayyyy before I'm even eligible for a top up. Applied for a new one declined.. .

Clockwise Credit Union is a not-for-profit financial institution based in the UK, serving the communities of Leicestershire, Nottinghamshire, Rutland, Coventry, and Warwickshire. The company provides affordable loans ranging from £50 to £15,000, ensuring fast online decisions and fair credit assessments for all applicants, regardless of their financial circumstances. Additionally, Clockwise Credit Union offers a variety of flexible savings accounts designed to help members manage their finances effectively. As a community-focused credit union, Clockwise reinvests its profits back into local initiatives, emphasizing ethical banking practices. Members can access essential banking services, including current accounts for day-to-day spending and easy access to savings options. Eligible deposits are protected by the Financial Services Compensation Scheme, providing added security for its customers.
Clockwise Credit Union receives overwhelmingly positive feedback, with many reviewers praising the excellent service and quick response times. Customers frequently highlight the friendly and helpful staff, noting that they go above and beyond to assist with inquiries and loan applications.
The application process is described as easy and efficient, with funds often received shortly after approval. However, a few negative experiences emerge, particularly regarding issues with loan repayment and eligibility for top-ups, as one reviewer expressed frustration after repaying a loan early and being declined for a new one. Despite this, the majority of consumers appreciate the supportive environment and the ease of using the services. Overall, Clockwise Credit Union is viewed favorably for its customer-centric approach and prompt service.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.7 | 60 | 100% | ● Low |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Aug 25 | 4.8 | 38 |
| Sep 25 | 4.7 | 22 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Quick response and site easy to navigate”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Website & app | Trend | Reviews |
|---|---|---|---|---|---|---|
| 4.7 out of 5 (good) | 100 out of 100 | 4.8 out of 5 (good) | 4.9 out of 5 (good) | — | 60 | |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | 3.0 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.6 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.0 out of 5 (good) | — | 1,060 |
Bottom line: Clockwise Credit Union is #3 of 5 on overall rating in this group.
60 reviews of Clockwise Credit Union. Filter by what matters to you.
Repaid loan in full wayyy before it was due to be repaid wayyyy before I'm even eligible for a top up. Applied for a new one declined.. .
This is possible the worst company ever nobody knows what they are doing when you speak to someone they all have different answers making up there own rules IV tried doing this for two weeks now and still got nowhere please don't trust these people it's a con to get your information
Customer service is absolute joke for people with mental health avoid at all cost as they only care about money and not your needs, they forget customer service your working for the people we ain’t working for you
Quick answers to the questions people ask most.
Yes, Clockwise Credit Union is a legitimate company with a strong reputation. It has numerous verified reviews, with an impressive overall rating of 5/5 from real customers who praise their quick responses and excellent service.
No, Clockwise Credit Union is not a scam. The presence of verified reviews and consistent positive feedback regarding their services indicate that customers feel safe and supported when using their platform.
Clockwise Credit Union offers a variety of financial services, including loans with reasonable repayment options. Customers have noted their quick loan approvals and easy application process.
Clockwise Credit Union offers flexible payment methods for their services. Customers have highlighted the ease of use of their online platform, which simplifies transactions.
Customer support at Clockwise Credit Union is highly praised for being friendly and helpful. You can reach them via phone, and they are known for their quick response times to inquiries.
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Clockwise Credit Union is a not-for-profit financial institution based in the UK, serving the communities of Leicestershire, Nottinghamshire, Rutland, Coventry, and Warwickshire. The company provides affordable loans ranging from £50 to £15,000, ensuring fast online decisions and fair credit assessments for all applicants, regardless of their financial circumstances. Additionally, Clockwise Credit Union offers a variety of flexible savings accounts designed to help members manage their finances effectively. As a community-focused credit union, Clockwise reinvests its profits back into local initiatives, emphasizing ethical banking practices. Members can access essential banking services, including current accounts for day-to-day spending and easy access to savings options. Eligible deposits are protected by the Financial Services Compensation Scheme, providing added security for its customers.
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